Share Certificates

Members, send a secured message through online banking, or call us to open your new account.

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From a tidy $1,000 deposit to a hefty $50,000, Share Certificates at USC Credit Union allow you to lock in our best yields as you see fit–you choose the deposit amount and the terms, ranging from three months to five years.

Take advantage of rising yields by setting up certificates of different terms—you’ll manage your cash flow and be able to ride the tide of rates when they increase. No monthly service charge, but early withdrawal penalties apply.

For Members: Send a secured message through online banking, or call us to open your new account.

Not a Member? Not a problem! Join today, then log into Online Banking and select Open An Account, then select your term.

Product feature & benefits

  • Minimum balance of $1,000
  • No monthly maintenance or transaction fees*
  • Grow your money faster with interest compounded daily
as high as


Share Certificates Rates**

  • Term
    ($1000 Min)
  • 3 Months
  • 6 Months
  • 12 Months
  • 24 Months
  • 36 Months
  • 48 Months
  • 60 Months

Early withdrawal penalties apply

Log into Online Banking

*APY = Annual Percentage Yield. APY is accurate as of 9/15/2022. Fees may reduce earnings.

Membership in USCCU required. Must qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit to confirm eligibility. Minimum deposit of $1,000 required to open the account and must be maintained daily to obtain the APY. The account will be closed and an early withdrawal penalty will apply if the account balance is reduced below the minimum daily balance. Please refer to Account Agreement and Truth-In-Savings Disclosure for early withdrawal penalty. Dividends will not be earned if the account is closed before the dividends are credited by the ending date of each month. The promotion of share certificate does not apply on Individual Retirement Accounts (IRAs). All credit union account programs, rates, terms and conditions are subject to change without notice.

** USCCU pays a bonus rate on all certificates of $50,000 or more. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. Rates may vary after account is opened.

Your shares are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.